Be wary of door-to-door solicitations. A representative of Xcel Energy, which serves the areas most affected by the torrential floods, noted that Xcel workers rarely contact clients. If solicitors represent themselves as Xcel agents, call 800-895-4999 to verify.

Review contracts before signing. Home-improvement contracts must disclose the legal and business address of the contractor, along with a start and completion date, a description of work to be done, and a total price. Make sure brand names of principal products and materials are listed in the contract, and that all warranties and guarantees are in writing.

Never do business with anyone who has a post office box number instead of a street address.

Never give your credit card or financial information to someone who contacts you over the phone or through the Internet.

Never pay more than one-third of a quoted home-improvement fee up front. Legitimate repair businesses expect a partial payment upon signing a contract, then another installment halfway through the project, and the rest upon completion. Contracts for home improvements over $500 must be in writing.

Before hiring a contractor to do electrical work, plumbing or other work, check with the state Department of Regulatory Agencies to make sure that the contractor is registered and licensed.

New coordinator pushes Buffs to work, play at level he expectsJim Leavitt has discovered this much about his new defense at Colorado: He has some talent with which to work, but his players need to put it in another gear. Full Story

New coordinator pushes Buffs to work, play at level he expectsJim Leavitt has discovered this much about his new defense at Colorado: He has some talent with which to work, but his players need to put it in another gear. Full Story